What does it offer?

If you’ve recently had a dental check up, a new pair of glasses or a private treatment like physiotherapy, you’ll know how expensive looking after your health can be. If you’ve got children, the costs can pile up even quicker.

Because we know 59%* of all claims made on health cash plans are for optical, dental and physiotherapy treatments, our health cash plan provides money back on these everyday healthcare costs, rather than a long list of other treatments.

*Laing Buisson, Health and Care Cover UK Market Report 2009

Pay from £10 a month and you could claim up to £450 cashback

By paying an affordable monthly premium, you’ll be covered for things that could crop up at any time – like a new pair of specs or an emergency filling, as long as you claim within the benefit period. Make the most of your cover and you could claim up to £450 cashback.

You can also arrange cover for your partner, and if you take out a Health Cash Plan from Engage Mutual, any of your children aged under 17 can be covered at no extra cost to help out with their dental and optical costs. Simply enter the details of anyone you wish to take out a plan for when you fill out your application Please see the cover levels section for details of how much you can claim back for your children.

Our affordable health cash plan comes with three levels of cover – everyday, deluxe and superior - so you can decide which is the one that best meets your needs.There are different limits on how much money you can claim back, depending on which level of cover you choose – take a look at the cover levels section to see how much you could claim. Benefit limits and periods apply. You can also apply online today.

We guarantee to accept you without a medical

If you’re aged 17-65 and living in the UK we guarantee to accept you without the need for a medical. Although with the exception of optical and dental treatments, you’re not covered for any pre-existing conditions.

Simple and straightforward

Once you have received treatment and paid for it, you simply complete our straightforward claim form and send it to us along with the receipt within 13 weeks of the date on your receipt. You can find more information on claiming in the 'How to claim' section, or in the benefit rules.

The difference between our Health Cash Plan and PMI

Private medical insurance (PMI) pays out on the costs associated with a hospital stay, various medical treatments and procedures as well as therapies. It is designed to give you a greater choice of when and where you have your treatment.

A health cash plan on the other hand, provides money back on everyday health care treatments – including dentists’ and opticians’ costs – regardless of whether they're provided privately or by the NHS. It isn’t intended to fund the full cost of treatment, just to help you out with everyday healthcare bills. The two types of cover can easily complement each other – they're not the same thing at all.

Choosing your health cash plan cover

Choosing the level of health cash plan cover that suits you is really easy. The table below shows you how much cover each of our plan options provides – just choose the one that suits you best.

Yes, you can arrange cover for your partner. If you take out a health cash plan from Engage Mutual, any of your children aged under 17 can be covered at no extra cost to help out with their dental and optical costs. Please see the cover levels section for details of how much you can claim back for your children.

Simply enter the details of anyone you wish to take out a plan for when you fill out your application. Click here to apply online.

No. If you’re aged 17-65 and living in the UK we guarantee to accept you without the need for a medical. Although you’re not covered for any pre-existing conditions, you will be covered for optical and dental treatments.

Yes, you have the right to cancel at any time. You also have a 28 day cooling off period that starts from when we accept your application. If you change your mind during this time, providing that you have not made a claim, we will refund any premiums paid.

No, we do not increase premiums because you get older. If you have any children on your plan, when they reach 17 years of age they must transfer to an adult plan and adult premiums and benefits will apply.

Private medical insurance (PMI) pays out on the costs associated with a hospital stay, various medical treatments and procedures as well as therapies. It is designed to give you a greater choice of when and where you have your treatment.

A health cash plan on the other hand, provides money back on everyday health care treatments – including dentists’ and opticians’ costs – regardless of whether they're provided privately or by the NHS. It isn’t intended to fund the full cost of treatment, just to help you out with everyday healthcare bills. The two types of cover can easily complement each other – they're not the same thing at all.

If you would like to join the engage health cash plan simply complete our online application form. If you would like any help completing the form, call our Customer Services Team on 0800 988 2128† – they will be happy to help you.

Yes. Your health cash plan includes personal accident cover provided by a third party insurer. Cover applies to customers over the age of 17 and the amount of cover you receive is determined by the level of your health cash plan cover. For more information on personal accident cover see our cover levels page.

No. Life cover is included as part of your plan at no extra cost. Depending on the level of plan you choose, it provides up to £2,000 for your family at a difficult time. Please be aware that life cover applies only after your plan has been open for 2 years.

Making a claim is simple. Just ask for a receipt from your practitioner after you have received and paid for your treatment. Fill in a claim form and send it to us together with your receipt or any other required supporting information. We normally pay claims directly into your bank account. Claims must be received by us within 13 weeks of the date on the receipt.

Useful documents

To get further details on our health cash plan, please download the useful documents below.

To view these documents you will need to have Adobe Reader installed. If you don't already have it you can download it for free from the Adobe Reader Website.

Claim Form (pre June 2010)
[pdf / 595KB]Use this form if you wish to make a claim on your Health Cash Plan and you took out your plan before June 2010. This means you have any of our products other than our Everyday, Deluxe and Superior products.

Claim Form (June 2010 onwards)
[pdf / 145KB]Use this form if you wish to make a claim on your Health Cash Plan and you took out your plan from 1st June 2010. This means you have one of our Everyday, Deluxe and Superior products.

How to make a claim with our health cash plan

If you need to make a claim on your health cash plan for dentists’ fees, opticians’ fees or any other treatments covered by your plan, you can rely on us to act quickly. Our friendly, polite team are always on hand to help and there are no complicated forms to wrestle with.

Claims are submitted using one of our simple claims forms. You can download a claim form from our useful documents page or call us on 0800 988 2128†.

All claims, with the exception of personal accident cover and life cover, must be submitted within 13 weeks of the date on the receipt. Your original receipt must show your full name and address details. Photocopies, faxes, credit card vouchers and till receipts are not accepted.

Claims for personal accident cover must be submitted within 3 months of the incident.

Claims for life cover must be supported with an original or certified copy of the death certificate.

Receiving payment for your health cash plan claim

We normally pay your claim directly into your bank account, so you can access your money quickly and easily with no hassle. If there’s anything else you need, please call our Customer Services Team on 0800 988 2128†, they’ll be more than happy to help.

0800 988 2128†

How much could you claim?

Another benefit for you...

If you are a customer you can also apply to receive funding from the Engage Foundation.

We've put aside £1m over 5 years exclusively for our customers to help make things better. So whether you want to give your family a helping hand or support a larger community project, we're here to help.

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Engage Mutual Assurance is a trading style of Homeowners Friendly Society Limited (HFSL) and its wholly owned subsidiaries. HFSL is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

Engage Mutual Assurance is a trading name of Engage Mutual Health (EMH). EMH is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

Engage Mutual Services Limited (EMSL) is a non-regulated wholly owned subsidiary of HFSL. EMSL will introduce customers to The Co-operative Funeralcare, The Co-operative Legal Services, RED ARC and Grace Consulting. None of these are authorised or regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

Engage Foundation is not regulated or authorised by the Financial Conduct Authority or the Prudential Regulation Authority.

This website is intended for use by UK residents only and does not constitute advice. If in doubt as to the suitability of a product you should seek independent advice. Products are provided by HFSL except where otherwise stated.

†Please note all calls may be recorded for security and training purposes. Calls are free from UK landlines only.